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fepellaro
Beginner
261 Views
Message 1 of 4

Incorrect payment default on credit file

Hello good morning dear Admins,

I have a wrong default in my report for my final bill which as paid when I was settled in my new address.

I am not sure why it was defaulted as I was always in contact with your team by phone.

Please can you correct this information?

Thanks,

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3 REPLIES 3
-Richie-
Guru
243 Views
Message 2 of 4

Re: Incorrect payment default on credit file

Have a read of BT Credit Files explained 

If you made a payment late it will be reported as late, if it's been paid it will update to 'settled'

 

How to query your credit file

Both agencies must response to a query within 28 days.

Equifax

Contact Equifax:

  • Online - visit the Equifax website
  • By phone - call 0800 014 2955
  • By post - write to Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
Experian

Contact Experian:

  • Online - visit the Experian website at www.experian.co.uk
  • By phone - calll 0344 481 8000
  • By post - write to Experian Headquarters Talbot House, Talbot Street, Nottingham, N80 1TH

 

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fepellaro
Beginner
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Message 3 of 4

Re: Incorrect payment default on credit file

It's showing as being defaulted by BT, so its not a problem from the agencies.

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-Richie-
Guru
209 Views
Message 4 of 4

Re: Incorrect payment default on credit file


@fepellarowrote:

It's showing as being defaulted by BT, so its not a problem from the agencies.


Which is why it needs disputed if you feel it's wrong, you raise the dispute with the credit agency and receive a reference, the credit agencies contact BT, they investigate and come back with the findings, if incorrect it gets corrected.

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